Pinnacle Financial Partners, Inc.

Good morning and welcome to the Pinnacle Financial Partners second quarter 2026 earnings call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing star zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your touchtone phone. To withdraw your question, please press star then two. Please note this event is being recorded. I'll now turn the call over to Sam Tiagi, Senior Director, Investor Relations. Please go ahead.

Thank you and good morning. During today's quarterly earnings call, we will reference the slides and press release that are available within the Investor Relations section of our website, pnfp.com. President and CEO Kevin Blair will begin the call. He will be followed by our Chief Financial Officer, Jamie Gregory, and they will be available to answer your questions at the end of the call. Our comments include forward-looking statements. These statements are subject to risks and uncertainties and the actual results could vary materially. We will list these factors that might cause results to differ materially in our press release and in our SEC filings, which are available on our website. We do not assume any obligation to update any forward-looking statements because of new information, early developments, or otherwise, except as may be required by law. During the call, we will reference non-GAAP financial measures related to the company's performance. You may see the reconciliation of these measures in the appendix to our presentation. And now, Kevin Blair will provide an overview of the quarter.

Thank you, Sam, and good morning, everyone. We have remained focused on the leverage points that help us deliver on our commitments and continue a long and proud heritage of growth and success. This quarter is another proof point of that focus. For the second quarter of 2026, we reported diluted EPS of $2.07 and adjusted diluted EPS of $2.50, excluding $82 million of pre-tax adjusted items. Year-to-date adjusted EPS is up 26% versus the same period last year. We are maintaining our 2026 guidance with our year-to-date performance giving us added conviction in the ranges we set. Starting with the balance sheet, loans grew $2.9 billion linked quarter, ahead of our expectations. Deposits were up $795 million, stronger than the combined firm's historical second quarter performance, which is typically our seasonally lightest given municipal outflows and tax-related payments. This strong growth in earning assets, up 4% quarter over quarter, led to 2% growth in net interest income. This is the broad-based, high-quality growth that has long been the hallmark of this firm, and the combination is making it even more powerful. Fee income is another area where our differentiation shows up, with double-digit year-to-date growth on a combined firm basis. Core banking, wealth management, and capital markets all post its strong year-over-year growth. As we have seen, most firms lose a step during integration, yet we are gaining share and deepening client relationships in the middle of a merger. On the expenses, we stay disciplined while continuing to invest in the areas where we see the greatest opportunity to accelerate long-term growth. Those are not competing priorities at Pinnacle. They are the same priority. Credit performance continues to be a real strength. As expected, charge-offs remain low and NPAs decline this quarter to 50 basis points. The quality of what we are putting on the books stands out. The reserve on new production is coming in lower than the portfolio as a whole, which is one reason our ACL ratio moved down this quarter. Growth, credit discipline, and yields holding firm on new production. That is three things working at the same time. And none of it happens without two things that come first, top talent and disciplined client selection. Moving to capital, preliminary CET1 increased 12 basis points this quarter. Reflecting the strength of our core earnings profile and the ability to generate capital, inclusive of roughly 14% annualized loan growth we experienced in Q2. We added 74 experienced revenue producers this quarter, up 48% from first quarter and up 14% versus the combined second quarter of 2025. Momentum has carried into the third quarter with another 34 producers who have already started or accepted offers in the first half of July. Of the 124 producers added year to date, approximately 50% are from what we consider core Synovus markets. That number matters as it says the model is working across the full franchise. Also, we have not lowered our standards to get there. Recruiting at Pinnacle is a consistent operating rhythm built through deep pipelines and clarity on our value proposition. That is what turns hiring into durable, compounding growth. We are also holding on to the bankers we already have. Retention excluding merger-related synergies is 94% year-to-date. Client satisfaction and loyalty scores remain best-in-class, and it goes without saying, when bankers stay, clients stay. Now let me tell you why the best is still in front of us. Three advantages compound from here. First, our markets. The Southeast footprint continues to grow at roughly twice the national average. Combine that backdrop with the scale of this franchise and the power of the pinnacle model, and the long-term growth opportunity in front of us is as compelling as any in the industry. Second, the competitive environment is moving in our direction. Larger competitors are dealing with bureaucracy, disruption, and slower decision-making, and it shows in their net promoter scores. In fact, Coalition Greenwich's first quarter report placed pinnacle first amongst peers in business momentum, the net percentage of clients who plan to do more with a bank versus those who plan to do less, and by a wide margin. That is exactly the backdrop that lets us keep taking share and growing. Third, talent dislocation is elevated and it is not slowing down. The best bankers want an environment where they are empowered, supported, and able to win. That is exactly what Pinnacle offers, and it is why we continue to be a destination of choice across every market and specialty we operate in. Strategy is a plan. Execution is a result. We are six months in, and the results are doing the talking. Balance sheet growing, core client fee income up significantly, credit strong, capital ratios increasing, bankers joining, retention of team members high, clients responding with loyalty. I am proud of what this team has delivered and even more excited about where we're headed from here. With that, I'll turn it over to Jamie to walk through the second quarter results in more detail. Jamie?